Insurance Question....

[pistolpete100]

Hi,
Right heres one for you. My car was recently stolen and subsequently written off in an accident. The thief was caught (general scum type, no chance of recovering any value from him)

The car was stolen in town and so wasnt outside any registered address etc...

The (potential) issue is that my car is registered to me at my flat address (where I primarily live)however it is insured against my parents address. My parents address isnt far from where I stay and the car is frequently there as my parents use it often. They are also named drivers on my policy. So, do you see an issue with this? as I suppose technically insurance could argue that the the address to which the car is insured is wrong even though the car is there often - but perhaps not the most often... - although I dont see how they could prove that one way or the other.

In terms of the incident the address isnt relevent however the differing addresses may have affected my premium in the past if they decide to take issue with it.

So, do you think they will kick up a fuss in this instance? And if so what is the recommended course of action.

Thanks

[saaby93]

Only if you make a meal of it. Nothing says you cant live in two places

[ZOLLAR]

The car needs to be insured where it's kept most of the time or the highest risk address of the two, I doubt you'll have problems.

[dibblecorse]

I take it your parents address is the 'cheaper' of the two ?

Where is the car registered and your licence addressed at as they will question you if any of these details differ from the insured address.

[pistolpete100]

Yeh I think parents probably is the cheaper - but I dont think by that much..

My license is still at my parents house although my V5 is at my flat...

[JDuck]

You are uninsured. The address on your driver's licence, insurance and registration document need to match.

You were taught this when you did your theory.

The only way you may continue to have insurance is if the insurance notes that the car is kept at another location.

[pistolpete100]

Idont see how the registration document has to match the insurance and license - the registration document just means I am responsible for the car, I could have a V5 and not have a license...

[ZOLLAR]

JDuck said:

You are uninsured. The address on your driver's licence, insurance and registration document need to match.

You were taught this when you did your theory.

The only way you may continue to have insurance is if the insurance notes that the car is kept at another location.

Errr that's wrong, what happens if you have a named driver who doesn't live with you does that mean you're uninsured?.